If I receive a judgement against someone as a result of an auto accident, then is their auto insurance responsible to pay the judgement?

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If I receive a judgement against someone as a result of an auto accident, then is their auto insurance responsible to pay the judgement?

Asked on October 3, 2012 under Accident Law, Texas

Answers:

S.L,. Member, California Bar / FreeAdvice Contributing Attorney

Answered 9 years ago | Contributor

The auto insurance company will pay the judgment if it does not exceed the policy limits.  If the judgment is more than the policy limits (the maximum amount of coverage provided by the policy), you will need to collect the amount not covered by the policy from the at-fault party / registered owner of the policy.  You can enforce the judgment with a wage garnishment, lien on the property, etc.


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